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 PeoplesChoice Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 28, 2026
PeoplesChoice Credit Union's 60 month NO PENALTY CD rates are at 3.61%, 60 month CD rates are at 3.61%, 3 month NO PENALTY CD rates are at 3.49%, 3 month CD rates are at 3.49%, 48 month NO PENALTY CD rates are at 3.35%. PeoplesChoice Credit Union's savings rates are at 0.05%. PeoplesChoice Credit Union's Personal Loan Rates are at 5.24%. MonitorBankRates evaluates the financial stability of PeoplesChoice Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.93%. Rates were last updated on 03/28/2026. PeoplesChoice Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at PeoplesChoice Credit Union? Share your experience about PeoplesChoice Credit Union by leaving a review below, or read customer reviews before you decide to use PeoplesChoice Credit Union. PeoplesChoice Credit Union
Saco Office 23 Industrial Park Rd
https://www.peopleschoicecreditunion.com/ Saco, ME 04072 1804 
PeoplesChoice Credit Union CD Rates
PeoplesChoice Credit Union Savings Rates
PeoplesChoice Credit Union Money Market Rates
PeoplesChoice Credit Union Checking Rates
PeoplesChoice Credit Union Mortgage Rates
PeoplesChoice Credit Union Auto Loan Rates
PeoplesChoice Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for PeoplesChoice Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather PeoplesChoice Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with PeoplesChoice Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
PeoplesChoice Credit Union
Address
23 Industrial Park Rd,
Saco, ME 04072 1804
Phone
207-282-4156
Fax
207-284-2447
President
Lisa Parker
CEO
Luke Labbe
Full-Time Employees
65
Part-Time Employees
0
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.93%
Return on Assets (ROA)
0.6196%
Return on Equity (ROE)
7.4558%
Non-Performing Loans Ratio (NPL)
0.87%
Total Assets
359,141,061
Total Amount of Shares and Deposits
333,989,428
Total Shares and Deposits < 1 Year
312,239,265
Total Shares and Deposits 1 3 Years
10,890,436
Total Shares and Deposits > 3 Years
10,859,727
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
36,764,381
Total Uninsured Shares and Deposits > $250K (F+J)
36,764,381
Total Insured Shares and Deposits > $250K (item 17 less item K)
297,225,047
Total Interest Expense (Sum of items 6 8)
4,251,181
Share Certificates
3,658
Number of Accounts for Share Drafts
14,758
IRA KEOGH Accounts
973
Number of Accounts for Regular Shares
26,888
All other shares
1,498
Money Market Shares
1,036
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,295,094
Total Liabilities
335,140,256
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About PeoplesChoice Credit UnionIs PeoplesChoice Credit Union a safe place to deposit money?Yes, PeoplesChoice Credit Union is considered a safe financial institution. With a Texas Ratio of 7.9260368087043%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does PeoplesChoice Credit Union operate?PeoplesChoice Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join PeoplesChoice Credit Union?Yes, to access services at PeoplesChoice Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, PeoplesChoice Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, PeoplesChoice Credit Union provides members with tools to manage their accounts and build a solid financial history. Does PeoplesChoice Credit Union offer online and mobile banking?Most modern institutions like PeoplesChoice Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.peopleschoicecreditunion.com/. Current PeoplesChoice Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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